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Re: Snow Blower

I just bought a used 2 stage 5 HP snowblower from a small engine repairman/ business for $250 which I found on Craigslist. The same machine new would probably cost $700. It's a much lower financial risk for a machine which I might use 4-5 times per winter.
by DTSC
Tue Oct 07, 2014 11:02 pm
 
Forum: Personal Consumer Issues
Topic: Snow Blower
Replies: 49
Views: 2605

Re: Evaluating small life insurance policies with poor healt

What's the point of a $10k policy except to cover funeral expenses?
by DTSC
Fri Oct 03, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Evaluating small life insurance policies with poor health
Replies: 4
Views: 478

Re: Is my husband a spendthrift? Or I a tightwad?

You might want to check out this Freakonmics podcast regarding teaching kids a foreign language. They basically think it's a waste of time and money. How often do you and your husband use that skill? http://freakonomics.com/2014/03/06/is-learning-a-foreign-language-really-worth-it-a-new-freakonomics...
by DTSC
Fri Oct 03, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15729

Re: Is my husband a spendthrift? Or I a tightwad?

I do agree with others that you have spending issues.

Hopefully not going too far off topic, but would buying a time share instead of an entire house solve the ski lodge problem?
by DTSC
Thu Oct 02, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15729

Re: Is my husband a spendthrift? Or I a tightwad?

I'd like to propose new "mechanics" for dividing up responsibility and paying bills. Open 3 checking accounts: his, hers, family expenses. Then you each get a separate credit card linked to your separate account and you each have a credit card for paying family expenses. The groceries sou...
by DTSC
Wed Oct 01, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15729

Re: Is my husband a spendthrift? Or I a tightwad?

I'm confused. Is he getting $60 a week + $20 in a savings account as you said in your first post, or $600 as you said in the last post? Or is it that the $600 per week covers groceries and gas, and $60 is the "fun money" portion of the $600? Sorry I was confusing! Phase I of Life with a B...
by DTSC
Wed Oct 01, 2014 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15729

Re: Is my husband a spendthrift? Or I a tightwad?

It depends on your household income. He's overspending if you guys bring in $50K. You're a tightwad if it's $250K.
by DTSC
Tue Sep 30, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15729

Re: OBi110 -or- Ooma Telo for home phone service?

If you do this, you must have the phone company (or someone else) disconnect your inside wiring from the outside wires. Otherwise your device will try to supply voltage to all the phone outlets in the world. :oops: I'm doing this already, but did not have the phone company do anything. I have had n...
by DTSC
Thu Sep 18, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 1164

Re: OBi110 -or- Ooma Telo for home phone service?

I'm very happy with my Ooma. You can get a refurbished or used box from Newegg (sometimes) or eBay for about $90. I just pay <$4 per month in taxes.

Oops! I see you bought the Obi already
by DTSC
Thu Sep 18, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 1164

Re: best place to buy kitchen appliances

Try abt.com Number 1 rated in Consumer Reports. We bought an induction range and dishwasher from them recently. Beat Sears and Best Buy on sale by an additional 5-10%
by DTSC
Wed Sep 03, 2014 11:59 pm
 
Forum: Personal Consumer Issues
Topic: best place to buy kitchen appliances
Replies: 26
Views: 2503

Re: 18 and Need Help Starting

Deal dope until you're 33. You're either

1) Make a lot of money and be able to a low cost of living state or country afterwards
2) Be dead
or
3) Be in prison - but your meals and shelter will be covered - you'll have a boyfriend too!
by DTSC
Wed Sep 03, 2014 12:28 am
 
Forum: Personal Finance (Not Investing)
Topic: 18 and Need Help Starting
Replies: 30
Views: 2111

Re: Costco:is it worth it for just two people?

Depends on what and how much you buy. In my experience their customer service is excellent. You can sign up for 1 year. If you don't find it worthwhile after 11 months, you can cancel and ask for your membership fee back. So there's really no risk to you.
by DTSC
Sun Aug 31, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12325

Re: How to safely sell a big ticket item online

Tell them to bring you cold hard cash!
by DTSC
Wed Aug 27, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2680

Re: Is it me, or are "collectibles" worthless in 2014?

Someone much smarter than I am can probably explain why it's the case, but I think that you're right. More than a decade ago, I sold some Pan Am memorabilia on consignment on eBay and got decent money for them. I'm no longer in that business, but if I were, I would not take on those items today. . ...
by DTSC
Tue Aug 26, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 6515

Re: Lipitor at Costco with Membership

And you can get higher strength pills, such as 40 mg, and cut them in half. That's what the VA does with its patients all the time.
by DTSC
Wed Aug 13, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: [Low cost] Lipitor
Replies: 13
Views: 1591

Re: I am thinking of buying Ooma or Magicjack need help deci

It will be my only phone. Do you have a cell phone? Before completely cutting the cord, test your ISP. Jitter, latency, packet loss or other poor quality of service (QoS) will render VOIP completely unintelligible. I've found that QoS with my network and ISP (Comcast) can vary widely from day to da...
by DTSC
Thu Jul 03, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 3742

Re: Moving back to the U.S. - Any ideas on a hatchback car?

Mazda 3. Ours is new, but it is an amazing car. Great mileage. Great driving. Great safety rating. Great reliability reputation. Couldn't be more positive. +1 My 2012 Mazda 3 with the Skyactive system gets over 40 mph on the highway. Fun to drive. I paid <$25,000 a new automatic model, with all the...
by DTSC
Mon Jun 23, 2014 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Moving back to the U.S. - Any ideas on a hatchback car?
Replies: 33
Views: 2031

Re: Is Medical School Worth it Financially?

Off the topic a bit, but this reminds me of the patient I was most jealous of in my entire life. He was this really easy going, good natured chap who at 53 was retired with full pension and paid $100/ month for medical. He was telling me he used to goof off all the way through high school. He knew ...
by DTSC
Mon Jun 23, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medical School Worth it Financially?
Replies: 66
Views: 5350

Re: Is Medical School Worth it Financially?

Anecdotally, the engineers I know are doing far worse financially than the medical doctors. Still, these are both well-remunerated professions. Any engineer or medical doctor who finds their career enjoyable is, in my mind, a very lucky person. If you chose medicine but would have been equally happ...
by DTSC
Mon Jun 23, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medical School Worth it Financially?
Replies: 66
Views: 5350

Re: Credit union with good online bill pay?

I am very happy with Alliant Credit Union.

You just have to tell them you're a member of a PTA to be elibigle
by DTSC
Sat Jun 14, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit union with good online bill pay?
Replies: 29
Views: 1834

Re: Engagement Ring - Diamond Help

Here is my experience: Men care about the color and cut and clarity and all that. For women, SIZE matter more than anything else. My wife walks into a room and she immediately knows how big every other woman's rock is. Unless it's a very yellow stone (worse than I or J) no one else cares what color...
by DTSC
Fri Jun 13, 2014 1:19 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4556

Re: Engagement Ring - Diamond Help

Here is my experience: Men care about the color and cut and clarity and all that. For women, SIZE matter more than anything else. My wife walks into a room and she immediately knows how big every other woman's rock is. Unless it's a very yellow stone (worse than I or J) no one else cares what color ...
by DTSC
Fri Jun 13, 2014 1:08 am
 
Forum: Personal Consumer Issues
Topic: Engagement Ring - Diamond Help
Replies: 61
Views: 4556

Re: engineers - please help with engineering school selectio

Again, at a place like MIT or Stanford, you can do graduate level research work as an undergraduate - with the best researchers in the country. Really? Most students at MIT or Stanford get to do graduate level research as an undergraduate - working closely with the best researchers in the country? ...
by DTSC
Fri Jun 13, 2014 12:59 am
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5506

Re: Apple looks interesting right now

Got plenty of it in my VINIX and VTSMX funds
by DTSC
Tue Jun 10, 2014 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2462

Re: Any "Apps" you like?

Stitcher for listening to podcasts
Dropbox
Kindle
Marketplace
by DTSC
Tue Jun 10, 2014 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 4277

Re: Young boglehead: Materials science, chemE, or mechE for

As someone who went from a Materials Science PhD to medicine, there is most overlap between materials science and your present degree in chemistry. It is also more "science like". If you are more into research, then materials science might suit you. There is actually little overlap between...
by DTSC
Fri Jun 06, 2014 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young boglehead: Materials science, chemE, or mechE for grad
Replies: 28
Views: 1961

Re: New Dodge Grand Caravan vs. Used Honda Odyssey/Toyota Si

We have a Honda Odyssey. However, $12K seems a lot to pay for a 10 year old vehicle with 100K miles
by DTSC
Fri Jun 06, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: New Dodge Grand Caravan vs. Used Honda Odyssey/Toyota Sienna
Replies: 21
Views: 2422

Re: Should I buy the most expenisve house in the neighborhoo

I am just curious though. What do you get for $700,000 in Odessa? A quick search on Zillow shows that it might be one of the top three or four most expensive homes in Odessa. Is this a ranch with 20 acres?
by DTSC
Fri Jun 06, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy the most expensive house in the neighborhood?
Replies: 39
Views: 4451

Re: Should I buy the most expenisve house in the neighborhoo

While the house is nice, it is not in the nicest neighborhood. Houses on the same street are probably valued at 300 to 400k, and just 3 to 4 blocks away, the houses are probably worth about 200k. Regardless of whether it is a boom or bust, what do they say for real estate (and gunshot wounds) ? Loc...
by DTSC
Thu Jun 05, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy the most expensive house in the neighborhood?
Replies: 39
Views: 4451

Re: I just graduated, fiancee has one more year - Marry now?

Calm Man is stating the obvious. Sometimes, for things like weddings, and your marriage, and your future wife, you just have to give up the fact that you'll be saving the $4000 and do it the "right way". Getting married on paper? What is that? If you want to get married then fly to Vegas,...
by DTSC
Wed Jun 04, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: [I just graduated, fiancee has one more year - Marry now?]
Replies: 33
Views: 1183

Re: I just graduated, fiancee has one more year - Marry now?

Calm Man is stating the obvious. Sometimes, for things like weddings, and your marriage, and your future wife, you just have to give up the fact that you'll be saving the $4000 and do it the "right way". Getting married on paper? What is that? If you want to get married then fly to Vegas,...
by DTSC
Wed Jun 04, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: [I just graduated, fiancee has one more year - Marry now?]
Replies: 33
Views: 1183

Re: I just graduated, fiancee has one more year - Marry now?

If it's the right person, what's the downside to getting married now? You can always be married and file separately if the numbers don't work out.
by DTSC
Wed Jun 04, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: [I just graduated, fiancee has one more year - Marry now?]
Replies: 33
Views: 1183

Re: College & PhD vs $250k working

It's not all or just about money - if that's his passion, it's the best thing for him. However, anyone who can get into a PhD program at Caltech and has outside interests can certainly get a job in finance making a heckuva lot more money, regardless of the 5 years of low stipend and opportunity cost...
by DTSC
Wed Jun 04, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7673

Re: Two Comma Club!

Congrats! Nothing better than having Boglehead grandparents!
by DTSC
Tue Jun 03, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club!
Replies: 55
Views: 5734

Re: Keeping up with the neighbors and Balance

What are you missing out on?

The stomach ulcer which comes with the debt.
by DTSC
Mon Jun 02, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 10580

Re: Getting out of large student loan debt

Buy this book and read it cover to cover. It's the best $20 you'll ever spend. And, no, I don't get a kickback for recommending it. [url] http://www.amazon.com/White-Coat-Investor-Personal-Investing-ebook/dp/B00ICXCUJ6/ref=sr_1_1?ie=UTF8&qid=1398739997&sr=8-1&keywords=white+coat+investor...
by DTSC
Sat May 31, 2014 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting out of large student loan debt
Replies: 45
Views: 3627

Re: Would you work without pay?

A completely practical question: You don't "owe" your children a college education, but what will you live on? How will you pay your bills?
by DTSC
Thu May 29, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you work without pay?
Replies: 63
Views: 4212

Re: Pursuing your calling in life at what cost?

$2.3M is enough to retire even here in the U.S. From what I hear from Indian friends, you can live quite luxuriously on that much in India. Go!
by DTSC
Tue May 27, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pursuing your calling in life at what cost?
Replies: 58
Views: 4677

Re: What our company's 401k Advisor said about 1.5% Fees

CFO is new and so is the new CEO who doesn't really need a 401k :-) Real person who suffers is the HR manager who definitely has over 100K in his 401k as he's been with the company for over 8 years now. That's good. You can blame the current lousy plan on the prior CFO and CEO. Tell them how to cut...
by DTSC
Fri May 23, 2014 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: What our company's 401k Advisor said about 1.5% Fees
Replies: 113
Views: 15941

Re: Your advice, ethical dilemma - job interview.

Maybe they are testing your ethics
by DTSC
Fri May 23, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your advice, ethical dilemma - job interview.
Replies: 30
Views: 2529

Re: Retiring into the poor house in 13 yrs?

Healthcare coverage has everything to do with the state in which you reside. Federal law prevents me from shopping premiums out of state. Remember, "he who has the gold(inscos.) make the rules". I didn't mean health insurance, but health or depedent flexible spending accounts. You might w...
by DTSC
Thu May 22, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring into the poor house in 13 yrs?
Replies: 110
Views: 9946

Re: Retiring into the poor house in 13 yrs?

Your situation seems more clear to me - I suspect that you have a fair amount of medical expenses. I am sorry about this. When dealing with the medical system, make sure your doctor(s) know that even though you have insurance and a high income, you want to save as much as possible. For example, ask...
by DTSC
Thu May 22, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring into the poor house in 13 yrs?
Replies: 110
Views: 9946

Re: Retiring into the poor house in 13 yrs?

Your situation seems more clear to me - I suspect that you have a fair amount of medical expenses. I am sorry about this. When dealing with the medical system, make sure your doctor(s) know that even though you have insurance and a high income, you want to save as much as possible. For example, ask...
by DTSC
Thu May 22, 2014 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring into the poor house in 13 yrs?
Replies: 110
Views: 9946

Re: Retiring into the poor house in 13 yrs?

Your situation seems more clear to me - I suspect that you have a fair amount of medical expenses. I am sorry about this. When dealing with the medical system, make sure your doctor(s) know that even though you have insurance and a high income, you want to save as much as possible. For example, ask ...
by DTSC
Thu May 22, 2014 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring into the poor house in 13 yrs?
Replies: 110
Views: 9946

Re: Retiring into the poor house in 13 yrs?

Some random thoughts For starters, you can contribute an additional $5,500 to your 401K since you are over age 50, rather than putting it into a taxable account You can pay part of your daughter's tuition, rather than all of it. Some here argue that kids need to have some skin in the game, or it'll ...
by DTSC
Thu May 22, 2014 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring into the poor house in 13 yrs?
Replies: 110
Views: 9946

Re: Change to IPhone 5C with 32 GM

It is excellent if you have family/friends out of town and you want to do a video call with them.
by DTSC
Mon May 19, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Change to IPhone 5C with 32 GM
Replies: 4
Views: 413

Re: 2600 days of every dollar tracked

Wow, you spent more on booze than taxes. How do you swing that?
by DTSC
Sun May 18, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2600 days of every dollar tracked
Replies: 68
Views: 6188

Re: Cookware for Induction Range

Thanks for the advice. I guess just because a pot is listed as being stainless steel doesn't necessarily mean that in can't be used on an induction range.
by DTSC
Fri May 16, 2014 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Cookware for Induction Range
Replies: 6
Views: 676

Cookware for Induction Range

We are remodeling our kitchen and my wife wants an induction range. Does anyone here have one? What has been your experience? I know that we have to get ferromagnetic pots and pans, but most cookware on the market are aluminum or stainless steel. Any recommendations on which brand of cookware to buy?
by DTSC
Fri May 16, 2014 1:04 am
 
Forum: Personal Consumer Issues
Topic: Cookware for Induction Range
Replies: 6
Views: 676
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